Fixed deposit rates in India, kept current
Last checked 3 November 2026. Card rates for a regular deposit below ₹3 crore.
Card rates from 33 banks for 1, 2, 3 and 5 years, each taken from the bank's own rate page. Pick a term, an amount or a bank.
7.25%Best 1-year, Ujjivan SFB
7.75%Best 2-year, ESAF SFB
8.00%Best 3-year, Jana SFB
7.77%Best 5-year, Jana SFB
- 1-year FD rates33 banks compared on ₹5 lakh. Ujjivan SFB pays the most at 7.25%.
- 2-year FD rates33 banks compared on ₹5 lakh. ESAF SFB pays the most at 7.75%.
- 3-year FD rates33 banks compared on ₹5 lakh. Jana SFB pays the most at 8.00%.
- 5-year FD rates33 banks compared on ₹5 lakh. Jana SFB pays the most at 7.77%.
- Senior citizen FD ratesEvery bank's senior rate for 1, 2, 3 and 5 years, with SCSS for comparison.
- Tax-saver FD rates5-year 80C deposits at 12 banks and the post office.
What your amount grows to
| Amount | 1 year | 2 years | 3 years | 5 years |
|---|---|---|---|---|
| ₹1 lakh | ₹1,07,450 | ₹1,16,593 | ₹1,26,824 | ₹1,46,928 |
| ₹2 lakh | ₹2,14,899 | ₹2,33,186 | ₹2,53,648 | ₹2,93,857 |
| ₹5 lakh | ₹5,37,248 | ₹5,82,964 | ₹6,34,121 | ₹7,34,642 |
| ₹10 lakh | ₹10,74,495 | ₹11,65,928 | ₹12,68,242 | ₹14,69,283 |
| ₹25 lakh | ₹26,86,238 | ₹29,14,821 | ₹31,70,604 | ₹36,73,209 |
What each amount grows to at the highest rate we track for that term. Tap a figure for every bank.
FD rates by bank
Public sector banks
- Bank of Baroda: up to 6.30%
- Bank of India: up to 6.70%
- Bank of Maharashtra: up to 6.40%
- Canara Bank: up to 6.40%
- Central Bank of India: up to 6.25%
- Indian Bank: up to 6.15%
- Indian Overseas Bank: up to 6.50%
- Punjab & Sind Bank: up to 5.95%
- Punjab National Bank: up to 6.35%
- State Bank of India: up to 6.40%
- UCO Bank: up to 6.10%
- Union Bank of India: up to 6.20%
Private banks
- Axis Bank: up to 6.50%
- Bandhan Bank: up to 7.45%
- City Union Bank: up to 7.30%
- DCB Bank: up to 7.50%
- Federal Bank: up to 6.55%
- HDFC Bank: up to 6.45%
- ICICI Bank: up to 6.50%
- IDBI Bank: up to 6.35%
- IDFC FIRST Bank: up to 7.10%
- IndusInd Bank: up to 7.25%
- Karnataka Bank: up to 6.50%
- Kotak Mahindra Bank: up to 6.75%
- RBL Bank: up to 7.00%
- South Indian Bank: up to 6.25%
- Yes Bank: up to 7.00%
Small finance banks
- AU Small Finance Bank: up to 7.40%
- Equitas Small Finance Bank: up to 7.10%
- ESAF Small Finance Bank: up to 7.75%
- Jana Small Finance Bank: up to 8.00%
- Ujjivan Small Finance Bank: up to 7.45%
- Utkarsh Small Finance Bank: up to 7.50%
We check every bank's own rate page on a schedule and update these pages when a rate changes. Rates change often and without notice, so confirm with the bank on the day you invest. This is information, not advice.